Best Loans in Australia in 2018!

BankSA - description of the lender

Loan amount

$2000 - $40000

Loan term

1 - 5 years

Company

BankSA has been part of the fabric of South Australia since March 11, 1848, when The Savings Bank of South Australia, the forerunner of today's BankSA, began its life as a small one-person outfit.
The quality of service BankSA provides and the positive attitude of their staff, combined with the goodwill and loyalty received from their customers, really does set BankSA apart from its competitors.

Interest

APR 12.49 - 19.99 %

Representative example

Loan amount: $30 000, Loan term: 5 years, Total amount repayable: $41 470, APR: 12.49 %
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Fess associated with total cost of loan:
  • Establishment Fee: $195 for new costumers, $0 for existing costumers
  • Monthly Administration Fee: $12
  • Redraw fee: $10 per withdrawal (redraw amount $500)
  • etc.
  • Requirements

  • You must be at least 18;
  • You must have an Australian residential address.
  • Documents

  • Australian Driver's Licence
  • Medicare card
  • Registration number

    ABN 33 007 457 141
    AFSL and Australian credit licence 233714

    Important information

    You will have to provide following information:
  • information on your current employer;
  • Weekly after-tax income for each person applying for the loan;
  • Information on your assets, savings and investments;
  • Amount of money owed on credit cards etc;
  • Details of your expenses.
  • Office hours

    Monday to Saturday 8.00 am to 8.00pm

    Address

    BankSA
    GPO Box 399
    Adelaide SA 5001

    Additional information

    Phone number: 13 13 76
    Branch locator: https://www.banksa.com.au/locator

    Other offers

    Minimum loan amount
    $5000
    Maximum loan amount
    $40000
    Minimum loan term
    18 months
    Maximum loan term
    7 years
    APR
    8.95 - 16.95 %
    Minimum age
    18 years
    Loan granting
    Good
    Online application
    nowfinance.com.au
    Requirements:
    • - Be an Australian citizen or permanent resident;
    • - Be 18 years or older;
    • - Be employed: Full time, part-time, self-employed (tenure more than 12 months) or casual (tenure more than 6 months);
    • - Have no defaults (paid or unpaid);
    • - Not be bankrupt or have a court judgement;
    • - Single borrower only - no joint applications.
    Representative example: Loan amount: $30 000, Loan term: 60 months, Total amount payable: $38 610, APR 8.95%
    NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
    Minimum loan amount
    $3000
    Maximum loan amount
    $15000
    Minimum loan term
    12 months
    Maximum loan term
    5 years
    APR
    43 %
    Minimum age
    18 years
    Loan granting
    Average
    Online application
    clearloans.com.au
    Requirements:
    • - Australian residents aged 18-75;
    • - Not on an active bankruptcy;
    • - Able to afford the loan;
    • - A friend or family member as a guarantor.
    Representative example: Loan amount: $10 000, Loan term: 36 months, Monthly payment: $498.66, Total cost of loan: $17 951.76, APR: 43 %
    NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
    Minimum loan amount
    $5000
    Maximum loan amount
    $50000
    Minimum loan term
    2 years
    Maximum loan term
    5 years
    APR
    7.50 - 19.99 %
    Minimum age
    21 year
    Loan granting
    Average
    Online application
    societyone.com.au
    Requirements:
    • - Australian citizen or permanent resident;
    • - At least 21 years old;
    • - You earn more than $25,000 p.a.;
    • - You are able to afford the loan;
    • - You have at least 2 years of good credit history on the Credit Bureau;
    • - You are not in Hardship with any other financial provide;
    • - You do not have a pending, current or previous bankruptcy;
    • - The loan is for you, not for anyone else or a business.
    Representative example: Loan amount: $10 000, Loan term: 3 years, Monthly payment: $320.39, Total cost of loan: $11 534.20, APR: 9.51 %
    NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
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